When a lead is injured while in an ambulance, there are multiple scenarios in which the injury could occur. These cases can be categorized based on the type of accident and who was at fault. Below are the key ways such incidents may be reported and how agents should handle them.

1. Ambulance Involved in an Accident with Another Vehicle (MVA Cases)

In this scenario, the ambulance collides with another vehicle. The agent must determine who was at fault, as this affects the flow of questions.

a) The Other Vehicle’s Driver is at Fault

If another vehicle (car, truck, bus, etc.) caused the accident, follow these steps:

1. What type of vehicle was the other party driving?

• Select the appropriate option (Car, Truck, Bus, etc.).

2. Has the party that caused the accident been identified?

• This applies to the other vehicle’s driver.

3. Did the other party have insurance?

• Ask about the other driver’s auto insurance.

4. What type of auto insurance did you have? (Full Coverage or Liability)

• Ask about the lead’s and the ambulance driver’s insurance status.

• If either had full coverage or liability, select accordingly.

5. Did you also have Uninsured Motorist Coverage (UMC)?

• This question applies to both the lead and the ambulance driver. Select ‘Yes’ if the lead confirms that either of them had UMC.

b) The Ambulance Driver is at Fault

If the ambulance driver caused the accident, follow these steps:

1. What type of vehicle was the other party driving?

• Select Car (which refers to the ambulance in this scenario).

2. Has the party that caused the accident been identified?

• This applies to the ambulance driver.

3. Did the other party have insurance?

• This applies to the ambulance driver’s insurance.

4. What type of auto insurance did you have? (Full Coverage or Liability)

• Ask only the lead about their insurance status.

5. Did you also have Uninsured Motorist Coverage (UMC)?

• Again, this applies only to the lead in this scenario.

2. Single-Vehicle Ambulance Accident (MVA Cases)

This scenario includes incidents where the ambulance crashes into an object or causes injury due to sudden braking, speeding over a bump, or losing control. Since only one vehicle is involved, the ambulance driver is always at fault, and the flow of questions is the same as in the “Ambulance Driver is at Fault” section above.

3. Negligence by Ambulance Staff  (Non-MVA Cases - “Others”)

If the injury is caused by the ambulance staff’s negligence rather than a vehicle accident, the case should be categorized under “Others” instead of MVA. Examples include:

• The lead being dropped while being placed onto/off the ambulance.

• Improper handling of the stretcher.

• Mishandling during treatment inside the ambulance.

No MVA-related questions will appear for these cases.

Key Takeaways for Agents

• Identify who is at fault to determine how to handle insurance-related questions.

• For MVA cases, follow the structured question flow based on whether the other vehicle or the ambulance driver is at fault.

• For single-vehicle ambulance accidents, treat them as MVA with the ambulance driver at fault.

• For staff negligence, categorize the case under “Others,” not MVA.